Trupanion was wonderful. I was a little disappointed that I still had to pay for most of the event bill even though I have the 90% plan it’s all the little hidden cost, but it was easy to use and friendly staff when I called.

Redundant filling of information when submitting a claim. Nebulous explanation of benefits. Unclear, unpleasant web site. Rare to find veterinary practices accepting the direct payment from Trupanion.

Trupanion gets A for speed, but when I purchase insurance for my dogs I expected Trupanion to pay doctor's fees for an accident. I knew it didn't pay for routine visits and wellness, but REALLY an accident! How is the vet supposed to know how the animal should be treated without a vet's opinion. Waste of my premiums. A $6,000 bill and, maybe, Trupanion will pay $35%.

Disappointed

This company can improve by covering services for our pets that we are paying for. I submitted an appeal for a denied claim for my cat who had a enucleation surgery *before* he came to me. He developed cysts only *after* the enucleation surgery, but y’all have denied paying that claim saying it was pre-existing. It was not pre-existing and my vet made it clear that it was not pre-existing yet y’all still will not pay. At this time, I am considering canceling coverage for all six of my cats because y’all are simply not paying.

The amount of coverage is abysmal. For a policy that costs 120/month and to only get 50 back on a 500 dollar emergency visit for a paralyzed leg is a joke

The whole issue of starting a new claim every time my veterinarian calls the condition diarrhea and a new deductible is more than frustrating. It feels dishonest. The dog has chronic diarrhea well controlled with medication….. we have tried to determine a cause. If the claims adjuster would look at the record this would be clear. Then am told “we don’t go back that far because diarrhea is a symptom not a condition”. Apparently they are reviewing this but after at least six calls with different people and my veterinarian having to resend the dogs entire medical record ( he is 9 years old!). Prior claims were handled in a satisfactory manner but not this condition. Come live at my house for a while and experience living with a dog that has intermittent diarrhea then you may have some empathy

I love Trupanion‘s Customer Service, I love the expedited payment process, that being said, I am extremely displeased with how Trupanion has changed their policy on covering exam fees. When you take your pet to a specialty hospital, the exam fees are astronomical. I just paid over $800 in exam fees alone. None, of which were reimbursed. This does not way favorably on Trupanion‘s behalf. Trupanion says that exam fees are “routine fees“ and can be planned for. I disagree totally. I have a 90% deductible. I pay $200 a month for coverage for two pets. Coming out of my pocket for 800+ dollars for an EMERGENCY Visit is not routine, nor can it be planned for. I truly wish Trupanion would reconsider the decision about exam fees. Veterinarians keep raising their prices, and it makes it more and more a major part of the bill.

I submitted my invoice via Trupanion. I waited for a response and when I finally got one it was that my claim was denied. When I spoke to a rep via phone I was told my documents were never received and the documents were received were completely dark. I submitted the invoice thought the clinic and was instantly approved. The other problem I have was the total was 1,930. My deductible is $800 and you all are paying 900. I was never told why the additional amount was covered and when I called I was told it was the exam charge. When I told the exam was waived and indicated in the final invoice I was given the run around. While I’m grateful trupanion paid some money. It doe feel like I was treated like a number. I would have an appreciated someone calling me to tell me what was missing or what was approved and what was denied and why.

I’m disappointed that I was told my pet was able to get instant coverage if I signed up in the office. I took the offer. At the conclusion of the office visit I submitted a claim to see how it would work. I was instantly denied because coverage just started that day. That is misleading and false advertising. Now on top of that, if I decide to continue with this insurance the condition I took my dog in for would be considered “pre-existing” and she’ll never be covered for it. Turned me right off. I was going to continue after the 30 days free but you lost my trust immediately. No thanks.